121M+Total Funded
Think they need thousands to begin
Straightforward advice for people who want to grow their money
Start investing without the confusion
Why people put off investing
The most common barriers aren't about money or complexity — they're about clarity and knowing where to start
10.6M+Interest paid
Worried they'll make expensive mistakes
1.8K+Funded projects
Don't understand the terminology
44.2K+Registered investors
Unsure which option fits their situation
€2.0M +Provision Fund
Afraid of losing what they've saved
Investors receiving payouts
Investors who received at least one interest payment each month.
Rated 4.5 / 5 based on 779 reviews. Showing our 4 & 5 star reviews.
What investing actually means
It's not gambling or magic — just putting money where it can work
You own something
Stocks, bonds, and real estate assets
You buy a piece of something that can increase in value over time
Time matters more than timing
Years, not days
Longer periods smooth out volatility and let compound growth do the work
Returns come two ways
Growth and income
Value increases or you receive regular payments like dividends or interest
Risk and return move together
Higher potential, higher variability
Options with bigger upside usually come with bigger swings in value
Diversification reduces single-point failure
Spread across multiple holdings
If one investment underperforms, others can balance the impact
You can start small
No minimum fortune required
Many platforms let you begin with modest amounts and add over time
Why bother investing at all
Savings accounts keep money safe but often lose to inflation — investing gives it a chance to grow
0% Beat inflation over time
No fees for deposits, investments or withdrawals.
28,003 +Build wealth for future goals
A growing community built around transparent investing.
€1,712 +Create passive income streams
Average amount invested by active users each month.
€139 +Take advantage of compound returns
Average interest paid to active investors each month.
Investment types worth knowing
Each option has different risk levels, timelines, and ways to access your money when you need it
Wholesale Electronics
Supplies consumer electronics to major retailers and telecomes like Technomarket and Magnum-D
- Loan Amount
- €600,000
- Term
- 16 months
- Yield (APR)
- 15.1%
JINTEKI
Processes, freezes and dries fruits and vegetables in a modern, fully equipped organic-focused production facility
- Loan Amount
- €900,000
- Term
- 14 months
- Yield (APR)
- 14.9%
Datra Ltd
Supply, installation and maintenance of agricultural and food equipment
- Loan Amount
- €950,000
- Term
- 12 months
- Yield (APR)
- 14.6%
Investment Calculator
Future value in 6 years€8000
Start with €50
Average annual return17.6%
Earned return€460
Promotions€0
Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.
What to check before choosing
The right fit depends on your timeline, comfort with risk, and goals
How long can you leave it
Years matter — short timelines limit options and increase risk exposure
What's your risk tolerance
Honest answer only — volatility affects decision-making more than charts suggest
Do you need liquidity
Some investments lock funds for months or years before you can withdraw
What are the fees
Management costs, transaction fees, and platform charges eat into returns over time
Is it easy to understand
If the mechanics feel opaque, you'll struggle to make informed decisions later
Can you diversify within it
Single bets concentrate risk — spreading across options reduces single-point failure
What's the tax treatment
Returns get taxed differently depending on account type and holding period
How much control do you want
Managed funds simplify decisions; direct investing gives you full control and responsibility
Where money flows right now
Markets shift based on interest rates, economic growth, and investor sentiment — understanding context helps you avoid reactive decisions
See trends
Starting points for new investors
You don't need a fortune or a finance degree — these thresholds are lower than most people expect
€12M+ +Secondary Market volume
Minimum to open most accounts
9,308+ +Secondary Market participants
Average monthly contribution that builds over time
How to actually get started
Three actions that move you from thinking about it to doing it
Set a clear goal
Retirement, house deposit, or income
Pick one platform
Compare fees and ease of use
Start with a small amount
Learn by doing, not waiting
Building the habit matters more than timing
Consistency beats trying to predict market movements — regular contributions smooth out volatility
Monthly automation
Set and forget contributions
Reinvest returns
Compound growth accelerates over time
Review quarterly, not daily
Checking constantly increases emotional decisions
Adjust as life changes
Income shifts, goals evolve, risk tolerance adjusts
Join investors learning together
Who this guide is for
Anyone who's been putting off investing because it feels complicated or exclusive. You don't need to master finance theory — just understand enough to make informed choices that match your situation.
What we don't tell you
We won't promise guaranteed returns or claim one strategy works for everyone. Investing involves risk, and what works depends on your timeline, goals, and comfort with uncertainty. We focus on helping you understand trade-offs so you can decide what fits.
- No return guarantees
- Past performance doesn't predict future results
- All investments carry some risk
- Fees impact long-term returns
- Market volatility is normal
- You can lose money
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Questions new investors ask
Investing means putting money into assets like shares, bonds, or property with the expectation they'll increase in value or generate income over time. It's a deliberate strategy to make your money work for you, not gambling or speculation.
Most P2P platforms eliminate the large entry barrier by allowing investors to begin with modest amounts. You can start small and add incrementally as your confidence and financial situation improves.
Longer investment horizons allow compound growth to smooth out market volatility and generate returns. Trying to time the market perfectly typically underperforms a patient buy-and-hold approach over years or decades.
Investments with higher potential returns generally experience greater price fluctuations and uncertainty. Understanding this trade-off helps you choose options aligned with your financial goals and comfort level.
Spreading investments across multiple holdings ensures that underperformance in one asset doesn't derail your overall strategy. If one investment struggles, others can offset the impact and stabilize your portfolio.
Returns come from capital appreciation—when your investment increases in value—and income generation through dividends or interest payments. A balanced approach captures both growth potential and steady cash flow.